The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$103,150
−HK$6,469/mo
▼ 0.25% · 3.875%
HK$106,359
−HK$3,260/mo
Today · 4.125%
HK$109,619
baseline
▲ 0.50% · 4.625%
HK$116,289
+HK$6,670/mo
Deposit HK$22.62M · loan HK$22.62M · min. income ≈ HK$219,238/mo (50% DSR)
Upfront cash ≈ HK$24.54M (deposit + AVD stamp duty HK$1,922,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,754
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$117,831
−HK$3,122/mo
Today · 4.125%
HK$120,953
baseline
▲ 0.50% · 4.625%
HK$127,329
+HK$6,376/mo
Deposit HK$22.62M · loan HK$22.62M · min. income ≈ HK$241,906/mo (50% DSR)
Upfront cash ≈ HK$24.54M (deposit + AVD stamp duty HK$1,922,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,780
−HK$7,762/mo
▼ 0.25% · 3.875%
HK$127,630
−HK$3,912/mo
Today · 4.125%
HK$131,542
baseline
▲ 0.50% · 4.625%
HK$139,546
+HK$8,004/mo
Deposit HK$18.09M · loan HK$27.14M · min. income ≈ HK$263,084/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$1,922,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,704
−HK$7,440/mo
▼ 0.25% · 3.875%
HK$141,397
−HK$3,747/mo
Today · 4.125%
HK$145,144
baseline
▲ 0.50% · 4.625%
HK$152,795
+HK$7,651/mo
Deposit HK$18.09M · loan HK$27.14M · min. income ≈ HK$290,288/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$1,922,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,410
−HK$9,056/mo
▼ 0.25% · 3.875%
HK$148,902
−HK$4,564/mo
Today · 4.125%
HK$153,466
baseline
▲ 0.50% · 4.625%
HK$162,804
+HK$9,338/mo
Deposit HK$13.57M · loan HK$31.67M · min. income ≈ HK$306,932/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,922,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,655
−HK$8,680/mo
▼ 0.25% · 3.875%
HK$164,964
−HK$4,371/mo
Today · 4.125%
HK$169,335
baseline
▲ 0.50% · 4.625%
HK$178,261
+HK$8,926/mo
Deposit HK$13.57M · loan HK$31.67M · min. income ≈ HK$338,670/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,922,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,670
−HK$11,643/mo
▼ 0.25% · 3.875%
HK$191,446
−HK$5,867/mo
Today · 4.125%
HK$197,313
baseline
▲ 0.50% · 4.625%
HK$209,320
+HK$12,007/mo
Deposit HK$4.52M · loan HK$40.71M · min. income ≈ HK$394,626/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,922,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,556
−HK$11,160/mo
▼ 0.25% · 3.875%
HK$212,096
−HK$5,620/mo
Today · 4.125%
HK$217,716
baseline
▲ 0.50% · 4.625%
HK$229,192
+HK$11,476/mo
Deposit HK$4.52M · loan HK$40.71M · min. income ≈ HK$435,432/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,922,540 · Scale 2, in force from 26 Feb 2026)